Nikhil Vaidya — CTO

EXECUTIVE SUMMARY Team: With over 16 years of experience driving technology strategy and execution across both startups and scaled enterprises, I offer a unique blend of zero-to-one product leadership, high-scale systems architecture, and cross-functional team building across fintech, e-commerce, and mobility sectors. Proven ability to scale engineering organizations from the ground up—hiring, mentoring, and empowering teams of 100+ across India, while fostering a strong culture of ownership, accountability, and innovation. Deep experience aligning cross-functional teams (product, operations, finance, sales) to drive execution and business growth. Tech: Proven architect of high-scale, resilient platforms powering $1B+ in annual disbursal, 10M+ daily API requests, and real-time decisions at 1000+ TPS. Built and led tech for India’s largest used two-wheeler platform (BeepKart), LazyPay BNPL (39% market share), and co-founded a digital lending startup (DigiLend, acquired). Expertise in cloud-native architecture, DevOps, microservices, and AI-led digital transformation. Strong focus on security, availability, and compliance in regulated sectors (lending, e-commerce). Tools: Experienced in driving “Build vs. Buy” decisions with a pragmatic approach to cost, speed, and long-term scalability. Proficient in leveraging a broad array of tools and technologies to drive operational excellence and innovation. Experienced in guiding teams through implementation of agile practices, automation, and CI/CD to streamline workflows and accelerate product delivery. Strong emphasis on observability, security, governance and compliance tooling to ensure system reliability and regulatory adherence. Drove strategic investments in AI, automation, and IT infrastructure across multiple cities to unlock operational efficiency. Timing: Strategic operator with a sharp eye for product-market fit and business timing—launching platforms and features that align with customer needs and market readiness. Delivered AI innovations that improved conversion by 20% and NPS to 65+. Spearheaded engineering scale-ups during critical growth phases—enabling 25x business growth at LazyPay and 100 Cr+ ARR at BeepKart. Trusted partner to founders, CXOs, and investors, translating vision into scalable, market-ready technology solutions.

Stackforce AI infers this person is a Fintech and E-commerce technology leader with extensive experience in scaling engineering teams and platforms.

Location: Bengaluru, Karnataka, India

Experience: 16 yrs 6 mos

Skills

Technology Leadership
Platform Design
Engineering Leadership
Platform Architecture
Startup Leadership
Product Development

Career Highlights

Led engineering scale-ups enabling 25x growth at LazyPay.
Architected systems for real-time credit decisions at 1000+ TPS.
Co-founded a digital lending startup acquired for its innovative solutions.

Work Experience

PayU Finance

Chief Technology Officer (7 mos)

BeepKart

Chief Technology Officer (3 yrs 11 mos)

LazyPay | PaySense | PayU

Head of Engineering (2 yrs 1 mo)

DigiLend Analytics and Technology Pvt. Ltd. (Acquired)

Co-Founder (4 yrs 1 mo)

CA Technologies

Sr. Software Developer (1 yr 7 mos)

SAP

Sr. Software Enginner -Dev (1 yr 8 mos)

Nokia

Project Engineer (2 yrs 7 mos)

Education

Bachelor of Engineering - BE at Oriental Institute of Science & Technology

PCM at Shri Agrasen Vidhalaya

at Shri Agrasen Vidhalaya

Nikhil Vaidya

CTO

Bengaluru, Karnataka, India16 yrs 6 mos experience

Highly StableAI Enabled

Key Highlights

Led engineering scale-ups enabling 25x growth at LazyPay.
Architected systems for real-time credit decisions at 1000+ TPS.
Co-founded a digital lending startup acquired for its innovative solutions.

Stackforce AI infers this person is a Fintech and E-commerce technology leader with extensive experience in scaling engineering teams and platforms.

Contact

Skills

Core Skills

Technology LeadershipPlatform DesignEngineering LeadershipPlatform ArchitectureStartup LeadershipProduct Development

Other Skills

.NETAI-driven toolsAgile MethodologiesAngularJSC#C++C/C++ STLCSS JavascriptHTMLIT and security functionsJavaNokia QtQMLQtQt Creator

About

Experience

Payu finance

Chief Technology Officer

Aug 2025 – Present · 7 mos · Bengaluru, Karnataka, India · On-site

Beepkart

Chief Technology Officer

Oct 2021 – Sep 2025 · 3 yrs 11 mos · Bangalore Urban, Karnataka, India · Hybrid

Technology leader at BeepKart, India’s largest omni-channel platform for used 2-wheelers, transforming how consumers buy and sell bikes across online and offline journeys. I have led the end-to-end tech charter — from platform design to execution — across sourcing, refurbishment, pricing, cataloging, sales, post-sales, and lending.
BeepKart operates a full-stack business model, integrating complex C2B and D2C supply chains to deliver a seamless experience for both sellers and buyers. I have built the customer experience, supply chain tech, and partner systems that power this ecosystem — from online discovery to doorstep delivery.
My role spans strategic leadership, building and scaling the engineering team, launching AI-driven tools to boost conversions and efficiency, and working closely with product, business, and operations to align tech outcomes with company goals. I also established IT and security functions across our locations and led org-wide initiatives such as AOP planning, performance culture, and fundraising support.

AI-driven toolssupply chain techpartner systemsengineering team buildingIT and security functionsTechnology Leadership+1

Lazypay | paysense | payu

Head of Engineering

Sep 2019 – Oct 2021 · 2 yrs 1 mo · Bengaluru, Karnataka, India

Technology leader at PayU, driving large-scale innovation across LazyPay (BNPL) and PaySense (digital lending). As part of the core leadership team, I led the technology charter for building scalable, high-performance platforms that powered India’s evolving credit ecosystem.
At LazyPay, India’s leading BNPL platform, I architected systems capable of handling 1,000+ TPS and 10M+ daily eligibility checks — all with <15ms API latency to ensure real-time credit decisions at checkout for partners like Swiggy and other top merchants.
At PaySense, I helped scale a robust digital lending platform supporting personalized loan journeys, underwriting, and disbursal workflows — enabling frictionless credit access for millions of users.
I also helped built PayU’s engineering centers across multiple locations, scaling to a 100+ member team. My scope included launching new credit products (e.g., UPI on Credit, Express Loan, Checkout Finance), setting tech vision and roadmaps, and driving 5x business scale while ensuring regulatory compliance and operational excellence.

high-performance platformsreal-time credit decisionsscalable systems architectureEngineering LeadershipPlatform Architecture

Digilend analytics and technology pvt. ltd. (acquired)

Co-Founder

Aug 2015 – Sep 2019 · 4 yrs 1 mo · Bengaluru, Karnataka, India

Founder and technology leader at DigiLend, a digital lending startup built from the ground up into a dynamic point-of-sale (POS) lending business. I conceptualized and built DigiLend’s loan origination system from scratch, leading the end-to-end tech architecture across backend, frontend, database, and DevOps.
I drove automation across operational workflows — enabling real-time application processing, credit underwriting, approvals, and auto-disbursals — significantly reducing manual effort and turnaround time.
Beyond engineering, I defined the product vision and roadmap, shaped go-to-market strategy, and led branding and promotional efforts.

loan origination systemautomationcredit underwritingStartup LeadershipProduct Development